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> When I see Stripe's apology here it will not be enough for me I'm actually just starting a business using Stripe for handling payments, and this makes me ver
by leoff 4y ago
> When I see Stripe's apology here it will not be enough for me
I'm actually just starting a business using Stripe for handling payments, and this makes me very concerned.
Is there an alternative service one could use? Is there a way not to give these shady companies power to steal all my money?
- informalo 4y agohttps://sumup.com https://sumup.com
- Ayesh 4y agoIn a different HN thread that has no or positive reaction to Stripe, you'd be seeing many praises for Stripe. For local businesses, perhaps your local bank has a better solution? They will be cheaper (if they use networks other than Visa/Master), and often has zero fees when you withdraw money to a bank account. Here in my country, for a business that only caters to local customers, I pay about 2% for payments with no fixed fee and no fee for withdrawals, which happens daily. I can directly call the person who handles my queries, and charge backs have never been anything but a few quick clicks with no mind games. All I do is redirect the user to the payment page, and validate the payment upon arrival. The UX isn't as good as Stripe of course, but many of the locals are quite used to that UI anyway.
- Aspos 4y agoDon't know what country you are from but guess your acquiring bank gets orders of magnitude less fraud than Stripe does so your bank can afford to take your calls. It boils down to wildly skewed regulatory environment in the US.
- InitialLastName 4y agoThey probably have orders of magnitude less revenue with which to pay customer service agents than Stripe has (or would have, if they hadn't delegated their customer service to the machine in the sky). We see this in many circumstances: centralization and scale are great for efficiency, but bad for resilience.
- vxxzy 4y agoCheck out PastePay. Great service and a human touch! https://www.pastepay.com https://www.pastepay.com
- groffee 4y agoOn Firefox page is just going into an infinite loop.
- TimCTRL 4y agoSame on Chrome 103
- radiojasper 4y agoCan confirm! Same here with my Firefox on Windows 10.
- enlyth 4y agoSame on Edge/Chromium
- thirdvect0r 4y agoHappening on FF, Chrome and Edge for me
- vxxzy 4y agoStrange!? Any chance you could send me request headers you are receiving?
- mmikeff 4y agoAnd Safari on MacOS
- mtlynch 4y agoBased on your other comment,[0] it sounds like you work for PastePay, which you should disclose if you're publicly endorsing them. [0] https://news.ycombinator.com/item?id=32263465 https://news.ycombinator.com/item?id=32263465
- sorenjan 4y agoMaybe look at Klarna. This is not an endorsement, I've never worked with them, but as a consumer i like using sites that use them for payment. https://docs.klarna.com/ https://docs.klarna.com/
- pythonic_hell 4y agoCheckout Adyen. They’re practically the same.
- stef25 4y agoHave you compared the backends you get to use as a customer? I'd be surprised if Adyen even comes close to Stripe. Mollie for one is complete garbage.
- Huppie 4y agoImho Adyen is surprisingly good. You should definitely check out their documentation.
- slivanes 4y agoYou need to do 5,000 transactions or more a month to be considered by Adyen.
- alex_suzuki 4y agoMaybe check out Paddle. I’m not affiliated in any way.
- tc313 4y agoJust as a counter-anecdote, my one-person SAAS has used Stripe since 2017 and I’ve had an excellent experience with them, including personal customer support. Of course, YMMV.
- PeterisP 4y ago> Is there an alternative service one could use? Is there a way not to give these shady companies power to steal all my money? There are many alternative services listed in other comments, but to be clear, every single one of them has the power to do exactly what Stripe did. There is no way to accept credit card payments without accepting that power to freeze suspicious incoming payments, simply because fundamentally credit card payments are not final and can (and often will) be reversed afterward, and if someone promised to never freeze merchants' funds, every fraudster in the world would come to try out their services, bankrupting them in the process.
- TimMeade 4y agoI'm not sure of the facts on this case and always need to hear both sides fully before i would comment on them. But; I have run 4 different businesses on stripe over about 6 years and have never had a serious issue. Yes there have been ups and downs but even with no phone number I would have to rate their support head and shoulders above most. Maybe 24-36 hours for a response, but we always got one, and in most cases it solved the issue. We are still with them.
- deleted 4y ago[deleted]
- SyneRyder 4y agoYou should always, always, have multiple ways to accept payments. Don't rely on one provider, even if they're the greatest processor in the world. Never have a single point of failure for your business.
- treszkai 4y agoI'm not an entrepreneur but this approach sounds way too safe to be competitive. IMHO if you're starting a 2-person company then yeah, be bold enough to rely on a single payment provider, and maybe consider redundancy when you have already have a working business with massive reputation.
- SyneRyder 4y agoSingle person company here. It's not hard to do, maybe an extra PHP class that abstracts details of different providers, and a separate class implementation on each provider. But you're right that you wouldn't do it for launch day. It comes in really, really handy when your tiny 1-person company outlives your giant multinational payment provider. Happened to me a few times now, I'm on to my 3rd (4th?) provider in 20 years. There's a tendency for Borg-like consolidation in the payments industry (eg Avangate acquired 2Checkout, then were bought by Verifone). Anyone who lived through the Digital River era will know what I mean. If you haven't done that code abstraction, imagine that you're suddenly unable to take any payments or make any sales and you are unable to do so until you rewrite all your payment processing code. That can be a long outage. Having a backup is also useful when a customer's card gets declined by an overly zealous fraud screen at one provider. You can give that customer a "promocode" that changes the logic of your checkout flow and redirects processing to a different payment processor. And having different processors active also lets you add different payment options (eg maybe your primary processor doesn't support Alipay or Pay With Amazon). But in practice that turned out not to be a good reason for me, Paypal/Visa/MC/Amex/Optima covered almost 100% of customers anyway. For the tiny handful that use checks I can handle that manually.
- peanuty1 4y agoSquare is one option. https://developer.squareup.com/reference/square/payments-api https://developer.squareup.com/reference/square/payments-api
- deleted 4y ago[deleted]